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You're mostly doing the right thing by paying it all back so I give you credit for that. I don't know about starting with Freeones. Sure they may have sent you the most but the little guys deserve their money just as much as Freeones. Many of them are struggling just like you. It would be more fair if you set up a payment schedule across the board like 5-10% of all back balances each month until paid off.
In my opinion you might want to set up a CCBill program if you are serious about this given what happened a few months back. Otherwise some affiliates will think twice.
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